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AGRICULTURE AND PLANTATION MANAGEMENT TO SUPPORT THE EMPOWERMENT OF RURAL ISLAMIC BOARDING SCHOOL (CASE STUDY IN ISLAMIC BOARDING SCHOOL ABDUSSALAM) Alhifni, Anas; Ahwarumi, Biyati
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol 4, No 1 (2018): JURNAL SYARIKAH
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Islamic Boarding School Abdussalam is located in rural areas of West Kalimantan and has agriculture and plantation sectors. The purpose of this study is to find out how the agricultural management system implemented by Islamic Boarding School. This research uses qualitative approach with phenomenology analysis technique. The results show that agricultural and plantation conditions in Islamic Boarding School Abdussalam have been empowered and have given economic independence to Islamic Boarding School although only managed by traditional system, from both sectors of agriculture sector have bigger result than plantation sector. The proposed agriculture and plantation management design resulting from this research is modern management based on solving the main problems faced by both sectors, such as weakness of governance system, lack of profersional human resources, limited infrastructure and capital, through cooperation with some related institutions such as government, universities, and companies that are directly related to the agricultural and plantation sectors in Islamic Boarding School Abdussalam. Originality of research, such a study has never been done before because in this study described the management system and level of empowerment of agriculture and plantation Islamic Boarding School Abdussalam.Keywords: Islamic Boarding School Abdussalam, Empowerment, Agriculture and Plantation

ENHANCING INNOVATION ROLES OF PESANTREN BUSINESS INCUBATOR IN PONDOK PESANTREN SUNAN DRAJAT Ahwarumi, Biyati; Sawarjuwono, Tjiptohadi
Journal of Innovation in Business and Economics Vol 1, No 02 (2017): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Business Incubator is one of PPSD’s (Pondok Pesantren Sunan Drajat) sub-units that supports their owneconomy independency. PPSD have existed as an important part of education, social and especially economic institution for Muslim community in East Java. Each year, Muslim intellectuals graduate from PPDS as Santri graduates, and mostly work, not only as religion teachers, but also as entrepreneurs, back in their hometown. The phenomenon of Santri Entrepreneurs appears to be the main inspiration for Business Incubator foundation. The researcher subsequently observes such phenomenon, also known as Santri anti-poverty agent, by using Action Research method as a base of observation for data collecting, analysis and synthesis process. The aim is to describe innovative methods of PPSD’s Business Incubator in generating entrepreneurs along with pesantren ecosystem where this research was conducted. The research findings are the description of knowledge management and recommendation for developing entrepreneurship within incubator related to PPSD policy.

AGRICULTURE AND PLANTATION MANAGEMENT TO SUPPORT THE EMPOWERMENT OF RURAL ISLAMIC BOARDING SCHOOL (CASE STUDY IN ISLAMIC BOARDING SCHOOL ABDUSSALAM) Alhifni, Anas; Ahwarumi, Biyati
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 4 No. 1 (2018): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Islamic Boarding School Abdussalam is located in rural areas of West Kalimantan and has agriculture and plantation sectors. The purpose of this study is to find out how the agricultural management system implemented by Islamic Boarding School. This research uses qualitative approach with phenomenology analysis technique. The results show that agricultural and plantation conditions in Islamic Boarding School Abdussalam have been empowered and have given economic independence to Islamic Boarding School although only managed by traditional system, from both sectors of agriculture sector have bigger result than plantation sector. The proposed agriculture and plantation management design resulting from this research is modern management based on solving the main problems faced by both sectors, such as weakness of governance system, lack of profersional human resources, limited infrastructure and capital, through cooperation with some related institutions such as government, universities, and companies that are directly related to the agricultural and plantation sectors in Islamic Boarding School Abdussalam. Originality of research, such a study has never been done before because in this study described the management system and level of empowerment of agriculture and plantation Islamic Boarding School Abdussalam.Keywords: Islamic Boarding School Abdussalam, Empowerment, Agriculture and Plantation

THE NECESSITY AND TRUST OF CITIZENS OF BOGOR TO SHARIA MICROFINANCE INSTITUTION Alhifni, Anas; Mukhlish, Zaini; Ahwarumi, Biyati; Hasib, Fatin Fadhilah
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 5 No. 2 (2019): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

The interest of the public to put their money in the financial sanctuary is an important thing to note, especially for sharia microfinance institutions that are generally still less desirable public. The objective of this research is to analyze the needs, expectation, challenge, and belief of the community toward SMI in Bogor city. The method used in this research is the Structural Equation Modeling (SEM AMOS 22) population of Bogor city community with 200 samples. The results of data analysis show that the community simultaneously has the needs, expectations, challenges, and beliefs of SMI. As with the statistical necessity with expectations, challenges with beliefs and expectations with trust have significant relationships and only variable needs with challenges that have no real relationship because of the value of both above the value that is 0.506â‰¥0.05.

SMIF Model With Maqashid Sharia-Based Anas Alhifni; Biyati Ahwarumi
Jurnal Iqtisaduna Vol 4 No 1 (2018)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v4i1.5048

Islamic microfinance institution is financial institution that is more oriented to the middle and lower community, its existence is for all religions and its role should be further optimized to provide welfare to members and community in general, this paper aims to explain the basic philosophy of Islamic microfinance institution and how the concept of Islamic microfinance institution in accordance with maqashid sharia values. The method used is qualitative method withanalysis techniques of data content analysis.Result of this article shows that the fundamental difference between Islamic microfinance institution and conventional finance institutionfound in the philosophy of moral values in accordance with texts of the Al-Quran and hadith. As maqashidsyariah-based SMIF financial institution that can guarantee every product that is able to provide benefits for people to reach Fallah or welfare, such as prioritizing profit sharing products, and keep the goal as business and social financial institution.

Pengaruh Inflasi terhadap Peningkatan Penyaluran Pembiayaan melalui Perbankan Syariah di Indonesia Biyati Ahwarumi; Luluk Syafa'ati
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 5 No. 1 (2023): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

The research method used in this study is quantitative research by calculating the SPSS program through a simple regression analysis technique, and the data used is secondary data in the form of annual time series data starting in 2020-2021 from the official website of the Financial Services Authority (OJK), Central Board Statistics (BPS) and Bank Indonesia (BI) according to research variables. The results of the statistical test can be concluded that partially the inflation-free variable (ϰ) in the 2020-2021 research year has a significant effect on the dependent variable increasing the distribution of financing through Islamic banking (Y) in the 2020-2021 research year. Inflation has a negative effect on the grounds that if inflation rises, financing will decrease because people's purchasing power decreases and if financing is increased it will be able to reduce inflation

Analisa Laporan Keuangan sebagai Alat untuk Menilai Kinerja pada KSU “Kencana Makmur” Cabang Laren Firman Nur Aprilianto; Biyati Ahwarumi; Anisatul Mahmudah
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

KSU Kencana Makmur Laren Branch needs to analyze financial statements in order to know the company's financial picture from period to period. Qualitative research. The research formulation consists of: 1) How is the financial reporting system at KSU "Kencana Makmur" Laren Branch?, and 2) How is the use of financial statements to analyze financial ratios in measuring the level of Liquidity, Solvency, and Profitability at KSU "Kencana Makmur" Branch Laren?. The method used in this research is descriptive analysis research method, with data collection procedures, interviews, and documentation. From this research, the results obtained are that: 1) The financial reporting system of KSU Kencana Makmur Laren Branch follows the application of the sharia cooperative version of the banking system data base, where every data transaction is recorded in the existing data application. 2) The financial performance of KSU Kencana Makmur Laren Branch in 2012 to 2014 increased and decreased as follows: Liquidity: (a). Current Ratio is 2.46% (in 2012), 2.29% (in 2013), and 2.59% (2014). (b). The Quick Ratio was 2.4% (in 2012), 2.3% (in 2013) and 2.5% (in 2014). Solvency: (a). The Total Debt to Total Asset Ratio was 0.5% (in 2012), 0.6% (in 2013) and 0.6% (in 2014). Profitability: (a). Net Profit Margin, by 0.2%% (in 2012), by 0.6% (in 2013) and by 0.4% (in 2014). (b). Return on Equity Capital was 0.1% (in 2012), 0.2% (in 2013) and 0.2% (in 2014). It can be concluded that the financial condition of KSU Kencana Makmur Laren Branch in 2012 to 2012 was not in a good condition, especially the level of profit.

ENHANCING INNOVATION ROLES OF PESANTREN BUSINESS INCUBATOR IN PONDOK PESANTREN SUNAN DRAJAT Biyati Ahwarumi; Tjiptohadi Sawarjuwono
Journal of Innovation in Business and Economics Vol. 1 No. 02 (2017): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v1i02.4938

Business Incubator is one of PPSD’s (Pondok Pesantren Sunan Drajat) sub-units that supports their owneconomy independency. PPSD have existed as an important part of education, social and especially economic institution for Muslim community in East Java. Each year, Muslim intellectuals graduate from PPDS as Santri graduates, and mostly work, not only as religion teachers, but also as entrepreneurs, back in their hometown. The phenomenon of Santri Entrepreneurs appears to be the main inspiration for Business Incubator foundation. The researcher subsequently observes such phenomenon, also known as Santri anti-poverty agent, by using Action Research method as a base of observation for data collecting, analysis and synthesis process. The aim is to describe innovative methods of PPSD’s Business Incubator in generating entrepreneurs along with pesantren ecosystem where this research was conducted. The research findings are the description of knowledge management and recommendation for developing entrepreneurship within incubator related to PPSD policy.

ANALISIS IMPLEMENTASI AUDIT INTERNAL TERHADAP KINERJA BERDASARKAN PERSPEKTIF KARYAWAN Alhifni, Anas; Warizal; Musbihin; Ahwarumi, Biyati
Jurnal Akunida Vol. 8 No. 2 (2022): December
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jakd.v8i2.6843

Penelitian ini bertujuan untuk mengetahui penerapan audit internal pada BMT Sunan Drajat. Audit internal berfungsi mengontrol kinerja internal perusahaan sehingga kinerja perusahaan menjadi lebih efektif dan efisien. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan fenomenologi. Hasil penelitian menunjukan fungsi kadiv sebagai auditor internal di bmt sunan drajat telah sesuai dengan fungsi auditor internal watchdog, konsultan, dan katalis. Adanya audit internal di bmt sunan drajat memberikan dampak positif bagi perusahaan karena kinerja perusahaan dapat terkontrol dan sesuai dengan target perusahaan dan pemerataan sdm disetiap cabang juga terjaga sehingga kinerja setiap kantor cabang maksimal dan tidak ada ketimpangan. Kekurangan penerapan audit internal di bmt sunan drajat adalah sop audit yang belum memenuhi standar iso dan adanya tugas kadiv yang juga merangkap pada jabatan lain membuat kinerja audit kurang maksimal

Digital Transformation of Islamic Economy: Potential and Challenges of Fintech and Blockchain in Islamic Financial System Biyati Ahwarumi
Jurnal Multidisiplin Indonesia Vol. 2 No. 4 (2024): Desember : Jurnal Multidisiplin Indonesia
Publisher : PT. ALHAFI BERKAH INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62007/joumi.v2i4.533

This study aims to analyze the strategic role of fintech and blockchain in Islamic finance, focusing on the effectiveness of Islamic financing, smart contract implementation, and asset tokenization such as digital sukuk and zakat. The method used is descriptive qualitative research with a literature study approach and content analysis of secondary data from academic articles, official reports, and case studies of Islamic fintech platforms. The results of the study indicate that Islamic fintech has succeeded in bringing financial services closer to the unbanked and underbanked, while blockchain technology provides transparency and transaction efficiency in accordance with the values of maqashid sharia. However, there are still structural challenges such as unpreparedness of regulations and minimal collaboration between stakeholders. This study contributes to the development of a technology-based Islamic economy and recommends the establishment of a Shariah Digital Sandbox and the development of an interdisciplinary curriculum as a strategic step forward.

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